Search results

@martredandre @martredandre @favoursaks Kindly add this to your original post and comment if possible thread about customers experience with underwriting. hope this helps you and other about company issuing policy if you disclose certain illnesses.

@martredandre sleep apnea treatment is permanently excluded in star and hdfc , not sure about Max Bupa .

@favoursaks also, group policy if stopped, IRDAI would not intervene I guess. It is simply stopped and considered stopped by a customer (Kuvera in this case). It may be good and cheap while it lasts but there is very less regulation regarding this.

@favoursaks Max Reassure have a safeguard rider to cover consumables. AIG new policies cover it by default but cost more compared to reassure with rider

@favoursaks found even better https://www.moneycontrol.com/news/business/personal-finance/general-insurers-incurred-claim-ratio-improves-5060391.html

@favoursaks Here is one report https://www.comparepolicy.com/blogs/irda-incurred-claims-ratio-for-year-2018-19/ but it does not have specific ICR for health policies served by general insurers.

@favoursaks AIG and IIFCO both have no room rent or type capping , almost good as reassure but costlier. I contacted them directly, so not aware what policies aggregators are selling. I contacted and liked RoyalSundaram and liked it as it was cheap and deals with TPA. All discussion based on...

@favoursaks Hi I am going through the same, and this is helpful, thanks I, too , am confused between Max Bupa and HDFC as plan offering was cheaper and had more features I guess. I liked your decision to go with HDFC. Have not heard good things about Max Bupa. Also there ICR is one of the...

@favoursaks Higher SI may not be sufficient for complications in older age but 10 lakhs is good enough doubling up as 20 within two years anyway. If you can afford it is good to have but yes this is optional. I agree with the other commentator as it may not be an issue in cashless situation at...

@joneshomes @joneshomes all companies do not cover pre/ post hospitalization, screening cost of uninsured donor or any other payment made to the donor and only the hospitalization part for organ extraction only ( complications might not be covered, not sure here) . Not sure about organ...